<SEC-DOCUMENT>0001050743-22-000003.txt : 20220215
<SEC-HEADER>0001050743-22-000003.hdr.sgml : 20220215
<ACCEPTANCE-DATETIME>20220214183917
ACCESSION NUMBER:		0001050743-22-000003
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20211231
FILED AS OF DATE:		20220215
DATE AS OF CHANGE:		20220214
EFFECTIVENESS DATE:		20220215

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PEAPACK GLADSTONE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001050743
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				223537895
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-06431
		FILM NUMBER:		22635999

	BUSINESS ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
		BUSINESS PHONE:		9082340700

	MAIL ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0001050743</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2021</periodOfReport>
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      <isAmendment>false</isAmendment>
      <filingManager>
        <name>PEAPACK GLADSTONE FINANCIAL CORP</name>
        <address>
          <ns1:street1>500 Hills Drive</ns1:street1>
          <ns1:city>Bedminster</ns1:city>
          <ns1:stateOrCountry>NJ</ns1:stateOrCountry>
          <ns1:zipCode>07921</ns1:zipCode>
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      <form13FFileNumber>028-06431</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Daniel J Leary III</name>
      <title>Chief Fiduciary Officer</title>
      <phone>908-719-4331</phone>
      <signature>Daniel J Leary III</signature>
      <city>Bedminster</city>
      <stateOrCountry>NJ</stateOrCountry>
      <signatureDate>02-14-2022</signatureDate>
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    <cusip>032654105</cusip>
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      <sshPrnamt>9663</sshPrnamt>
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    <cusip>03524A108</cusip>
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      <None>15917</None>
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      <None>71441</None>
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    <value>808</value>
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      <None>9026</None>
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    <value>9113</value>
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      <sshPrnamt>30321</sshPrnamt>
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      <Sole>29555</Sole>
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      <None>766</None>
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      <sshPrnamt>16935</sshPrnamt>
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    <votingAuthority>
      <Sole>1750</Sole>
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      <None>15185</None>
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      <sshPrnamt>1020744</sshPrnamt>
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      <Sole>1007561</Sole>
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      <None>13183</None>
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    <value>9054</value>
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      <sshPrnamt>50990</sshPrnamt>
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      <Sole>50390</Sole>
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      <None>600</None>
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    <cusip>037833100</cusip>
    <value>62876</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>323705</Sole>
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      <None>30386</None>
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    <cusip>038222105</cusip>
    <value>14900</value>
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      <sshPrnamt>94685</sshPrnamt>
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      <Sole>93150</Sole>
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      <None>1535</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>545</value>
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      <sshPrnamt>3464</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3464</Sole>
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      <None>0</None>
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      <sshPrnamt>91424</sshPrnamt>
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    <votingAuthority>
      <Sole>62069</Sole>
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      <None>29355</None>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
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    <cusip>039483102</cusip>
    <value>1341</value>
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      <Sole>50</Sole>
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      <None>19802</None>
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    <cusip>039653100</cusip>
    <value>307</value>
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      <sshPrnamt>5826</sshPrnamt>
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      <Sole>0</Sole>
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      <None>5826</None>
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    <cusip>040413106</cusip>
    <value>1924</value>
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      <sshPrnamt>13384</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13384</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARROW ELECTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>042735100</cusip>
    <value>4332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31661</Sole>
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      <None>605</None>
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    <nameOfIssuer>ARROW ELECTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>042735100</cusip>
    <value>1034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>7701</None>
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    <nameOfIssuer>ASA GOLD AND PRECIOUS MTLS L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G3156P103</cusip>
    <value>4990</value>
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      <sshPrnamt>236605</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>236605</None>
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    <nameOfIssuer>ASGN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2073</sshPrnamt>
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      <Sole>0</Sole>
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      <None>2073</None>
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      <Sole>0</Sole>
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      <None>5882</None>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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    <value>1645</value>
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      <sshPrnamt>28233</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10707</Sole>
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      <None>17526</None>
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    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
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      <sshPrnamt>221149</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>220223</Sole>
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      <None>926</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>667</value>
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      <sshPrnamt>27114</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>26114</Sole>
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    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>99226</sshPrnamt>
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    <votingAuthority>
      <Sole>24954</Sole>
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      <None>74272</None>
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    <nameOfIssuer>ATEA PHARMACEUTICALS INC</nameOfIssuer>
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    <cusip>04683R106</cusip>
    <value>245</value>
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      <sshPrnamt>27396</sshPrnamt>
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    <votingAuthority>
      <Sole>27396</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>2238</sshPrnamt>
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      <Sole>340</Sole>
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      <None>1898</None>
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    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>052769106</cusip>
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      <sshPrnamt>6070</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4710</Sole>
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      <None>1360</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>32447</value>
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      <sshPrnamt>131589</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>128398</Sole>
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      <None>3191</None>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>3887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15764</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>11694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47423</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44312</Sole>
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      <None>3111</None>
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    <nameOfIssuer>AUTONATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05329W102</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2733</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>2733</None>
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    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053332102</cusip>
    <value>461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>98</Sole>
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      <None>122</None>
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  <infoTable>
    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053332102</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
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      <None>201</None>
    </votingAuthority>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053611109</cusip>
    <value>18148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>82888</Sole>
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      <None>908</None>
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  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053611109</cusip>
    <value>1865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8611</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053611109</cusip>
    <value>2538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11719</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11225</Sole>
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      <None>494</None>
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  <infoTable>
    <nameOfIssuer>AVNET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053807103</cusip>
    <value>873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21167</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>21167</None>
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  <infoTable>
    <nameOfIssuer>B2GOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11777Q209</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25331</None>
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  <infoTable>
    <nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>05722G100</cusip>
    <value>732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30422</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>4898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37852</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37584</Sole>
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      <None>268</None>
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  <infoTable>
    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>653</value>
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      <sshPrnamt>5050</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5050</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>
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    <cusip>093712107</cusip>
    <value>4501</value>
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      <sshPrnamt>205223</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>196523</Sole>
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      <None>8700</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>6664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33103</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32394</Sole>
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      <None>709</None>
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  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>1107</value>
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      <sshPrnamt>5501</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5501</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>2622</value>
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      <sshPrnamt>13022</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1251</Sole>
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      <None>11771</None>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>8988</value>
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      <sshPrnamt>3746</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3655</Sole>
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      <None>91</None>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>2903</value>
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      <sshPrnamt>1210</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1178</Sole>
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      <None>32</None>
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  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>099502106</cusip>
    <value>581</value>
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      <sshPrnamt>6843</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>6683</None>
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    <nameOfIssuer>BOSTON BEER INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>100557107</cusip>
    <value>867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1716</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1716</None>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9715</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5919</Sole>
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      <None>3796</None>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>1840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>410</Sole>
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      <None>68680</None>
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    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>109194100</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>10922N103</cusip>
    <value>1006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
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      <None>19410</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRINKS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>109696104</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3361</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>25757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413107</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>405219</Sole>
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      <None>7888</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>2746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43659</Sole>
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      <None>375</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>7417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118996</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>104177</Sole>
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      <None>14818</None>
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    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>110448107</cusip>
    <value>553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14771</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14771</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>8% MCNV PFD SR A</titleOfClass>
    <cusip>11135F200</cusip>
    <value>1546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>745</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>3640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4949</Sole>
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      <None>521</None>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>284</Sole>
      <Shared>0</Shared>
      <None>396</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROOKFIELD ASSET MGMT INC</nameOfIssuer>
    <titleOfClass>CL A LTD VT SH</titleOfClass>
    <cusip>112585104</cusip>
    <value>619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>10250</None>
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  <infoTable>
    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
    <titleOfClass>LP INT UNIT</titleOfClass>
    <cusip>G16252101</cusip>
    <value>2756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45324</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>1602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13645T100</cusip>
    <value>631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8562</Sole>
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      <None>205</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CANNAE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13765N107</cusip>
    <value>15898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452280</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>452280</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1212</Sole>
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      <None>699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>12283</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4997</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>1076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18</Sole>
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      <None>20886</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>UNIT 99/99/9999</titleOfClass>
    <cusip>143658300</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>18980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL PLC</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>14365C103</cusip>
    <value>1085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>8225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>138001</Sole>
      <Shared>0</Shared>
      <None>13642</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12693</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>1509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25109</Sole>
      <Shared>0</Shared>
      <None>2707</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>148806102</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2022</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>8439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38564</Sole>
      <Shared>0</Shared>
      <None>2254</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>1391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6706</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>2345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11336</sshPrnamt>
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      <None>10456</None>
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    <votingAuthority>
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      <None>146323</None>
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      <None>2875</None>
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    <cusip>150870103</cusip>
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      <sshPrnamt>1466</sshPrnamt>
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      <None>0</None>
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      <None>22000</None>
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      <Sole>338</Sole>
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      <None>79</None>
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    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
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      <sshPrnamt>32713</sshPrnamt>
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      <None>2525</None>
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    <value>249</value>
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      <sshPrnamt>2135</sshPrnamt>
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      <Sole>2135</Sole>
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      <None>0</None>
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      <sshPrnamt>24191</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23396</Sole>
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      <None>795</None>
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      <sshPrnamt>219483</sshPrnamt>
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      <Sole>215713</Sole>
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      <None>3770</None>
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    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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      <sshPrnamt>33043</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>32623</Sole>
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      <None>420</None>
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    <value>9377</value>
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      <sshPrnamt>79911</sshPrnamt>
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    <votingAuthority>
      <Sole>44230</Sole>
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      <None>35681</None>
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      <sshPrnamt>367</sshPrnamt>
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      <Sole>308</Sole>
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      <None>59</None>
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      <Sole>5785</Sole>
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      <None>635</None>
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      <Sole>2573</Sole>
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      <Sole>23279</Sole>
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      <sshPrnamt>9014</sshPrnamt>
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      <Sole>8982</Sole>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56871</Sole>
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      <None>4384</None>
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      <Sole>5988</Sole>
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    <nameOfIssuer>DATADOG INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>23804L103</cusip>
    <value>303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>6501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18458</Sole>
      <Shared>0</Shared>
      <None>502</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>5894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1789</Sole>
      <Shared>0</Shared>
      <None>15402</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>3878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>86981</Sole>
      <Shared>0</Shared>
      <None>1053</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>1086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24651</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1137</Sole>
      <Shared>0</Shared>
      <None>690</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1270</Sole>
      <Shared>0</Shared>
      <None>2467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>3691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17967</Sole>
      <Shared>0</Shared>
      <None>2898</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTL CORE EQT MK</titleOfClass>
    <cusip>25434V203</cusip>
    <value>2963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US CORE EQT MKT</titleOfClass>
    <cusip>25434V104</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US EQUITY ETF</titleOfClass>
    <cusip>25434V401</cusip>
    <value>849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>3724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32110</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2693</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVERY INC</nameOfIssuer>
    <titleOfClass>COM SER A</titleOfClass>
    <cusip>25470F104</cusip>
    <value>439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>17619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISCOVERY INC</nameOfIssuer>
    <titleOfClass>COM SER C</titleOfClass>
    <cusip>25470F302</cusip>
    <value>1097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47888</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>29930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>191944</Sole>
      <Shared>0</Shared>
      <None>1292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>4194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26379</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>3496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16908</Sole>
      <Shared>0</Shared>
      <None>5650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256163106</cusip>
    <value>1183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>13663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55650</Sole>
      <Shared>0</Shared>
      <None>2287</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>17006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66723</Sole>
      <Shared>0</Shared>
      <None>5387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>5801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>72187</Sole>
      <Shared>0</Shared>
      <None>1653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7222</Sole>
      <Shared>0</Shared>
      <None>3043</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORCHESTER MINERALS LP</nameOfIssuer>
    <titleOfClass>COM UNIT</titleOfClass>
    <cusip>25820R105</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260003108</cusip>
    <value>952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4905</Sole>
      <Shared>0</Shared>
      <None>336</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>5291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>91110</Sole>
      <Shared>0</Shared>
      <None>2178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8435</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>3423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43521</Sole>
      <Shared>0</Shared>
      <None>16831</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DROPBOX INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>26210C104</cusip>
    <value>1367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>55710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>1964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18022</Sole>
      <Shared>0</Shared>
      <None>697</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>1021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6776</Sole>
      <Shared>0</Shared>
      <None>2955</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>6192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>73414</Sole>
      <Shared>0</Shared>
      <None>3244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7339</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>2478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17742</Sole>
      <Shared>0</Shared>
      <None>12927</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23355L106</cusip>
    <value>1191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37008</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYCOM INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>267475101</cusip>
    <value>366</value>
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      <sshPrnamt>1524</sshPrnamt>
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      <None>16360</None>
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      <Sole>2410</Sole>
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      <None>1589</None>
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      <Sole>28</Sole>
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    <cusip>27826U108</cusip>
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      <Sole>0</Sole>
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      <None>18120</None>
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      <Sole>3200</Sole>
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      <None>454</None>
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      <Sole>20304</Sole>
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      <None>680</None>
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      <sshPrnamt>46426</sshPrnamt>
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      <Sole>44026</Sole>
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      <None>2400</None>
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    <nameOfIssuer>EDISON INTL</nameOfIssuer>
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      <sshPrnamt>13377</sshPrnamt>
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      <Sole>1004</Sole>
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      <None>12373</None>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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    <cusip>28176E108</cusip>
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      <sshPrnamt>19390</sshPrnamt>
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      <Sole>19217</Sole>
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      <Sole>3106</Sole>
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      <Sole>51556</Sole>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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      <sshPrnamt>55037</sshPrnamt>
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    <votingAuthority>
      <Sole>36172</Sole>
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      <None>18865</None>
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    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
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    <cusip>29250N105</cusip>
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      <sshPrnamt>8226</sshPrnamt>
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    <votingAuthority>
      <Sole>4983</Sole>
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    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
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    <votingAuthority>
      <Sole>4409</Sole>
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    <nameOfIssuer>ENGINE MEDIA HLDGS INC</nameOfIssuer>
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      <Sole>0</Sole>
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      <None>30969</None>
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    <votingAuthority>
      <Sole>1625</Sole>
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      <Sole>2612</Sole>
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      <Sole>161</Sole>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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      <Sole>52407</Sole>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
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      <Sole>4636</Sole>
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      <Sole>1700</Sole>
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      <Sole>12993</Sole>
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    <nameOfIssuer>EQUINOR ASA</nameOfIssuer>
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    <nameOfIssuer>EQUITRANS MIDSTREAM CORP</nameOfIssuer>
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    <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
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    <cusip>297178105</cusip>
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      <None>34038</None>
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      <None>1612</None>
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    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
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      <sshPrnamt>1124</sshPrnamt>
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  <infoTable>
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      <Sole>13097</Sole>
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      <None>2153</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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      <None>20750</None>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25851</Sole>
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      <None>94089</None>
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    <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>18204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>49732</Sole>
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      <None>4390</None>
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    <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>1046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3111</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3111</Sole>
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      <None>0</None>
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    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>6481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15678</Sole>
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      <None>3594</None>
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    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>311900104</cusip>
    <value>1277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19936</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19887</Sole>
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      <None>49</None>
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    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>10887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41602</Sole>
      <Shared>0</Shared>
      <None>492</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>1419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5486</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>4276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8200</Sole>
      <Shared>0</Shared>
      <None>8333</None>
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    <cusip>G33856108</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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    <cusip>31620R303</cusip>
    <value>63610</value>
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      <sshPrnamt>1219043</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1218885</Sole>
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      <None>158</None>
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  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
    <titleOfClass>FNF GROUP COM</titleOfClass>
    <cusip>31620R303</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6122</None>
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    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4761</Sole>
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      <None>1517</None>
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  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>3269</value>
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      <sshPrnamt>49387</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41984</Sole>
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      <None>7403</None>
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    <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33616C100</cusip>
    <value>13367</value>
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      <sshPrnamt>64728</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>64717</Sole>
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      <None>11</None>
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    <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33616C100</cusip>
    <value>444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3230</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR / ABERDEEN EMERGING</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33731K102</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>17405</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734K109</cusip>
    <value>628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>2120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1536</Sole>
      <Shared>0</Shared>
      <None>49425</None>
    </votingAuthority>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>1533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13981</Sole>
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      <None>793</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7678</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>339041105</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>923</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>747</Sole>
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      <None>176</None>
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  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>339041105</cusip>
    <value>8807</value>
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      <sshPrnamt>39343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39343</Sole>
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      <None>0</None>
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    <nameOfIssuer>FLEX LTD</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>Y2573F102</cusip>
    <value>597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32582</None>
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    <nameOfIssuer>FMC CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>302491303</cusip>
    <value>1779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14135</Sole>
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      <None>2058</None>
    </votingAuthority>
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    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53993</Sole>
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      <None>291</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10750</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32636</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16862</Sole>
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      <None>15774</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5515</Sole>
      <Shared>0</Shared>
      <None>454</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3821</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>354613101</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>7721</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11774</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRONTDOOR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35905A109</cusip>
    <value>1212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28576</Sole>
      <Shared>0</Shared>
      <None>4497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302941109</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1647</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI MULTIMEDIA TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36239Q109</cusip>
    <value>496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57134</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
    <value>733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
    <value>2038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6075</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>368736104</cusip>
    <value>8271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22602</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>19495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>92562</Sole>
      <Shared>0</Shared>
      <None>951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1330</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>5490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>21998</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>6987</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6663</Sole>
      <Shared>0</Shared>
      <None>324</None>
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    <value>929</value>
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    <votingAuthority>
      <Sole>9067</Sole>
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      <None>765</None>
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    <value>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6362</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6362</Sole>
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      <None>0</None>
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    <value>2853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30197</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>222</Sole>
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      <None>29975</None>
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    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>3250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48233</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47432</Sole>
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      <None>801</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9650</Sole>
      <Shared>576</Shared>
      <None>180</None>
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    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>1744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29738</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>29073</None>
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    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>10824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76403</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GENWORTH FINL INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>37247D106</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25961</None>
    </votingAuthority>
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    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>2170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9243</Sole>
      <Shared>0</Shared>
      <None>20625</None>
    </votingAuthority>
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    <nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W105</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10935</Sole>
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      <None>0</None>
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    <nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W105</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5980</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W105</cusip>
    <value>1366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24908</Sole>
      <Shared>0</Shared>
      <None>6071</None>
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    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37940X102</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2759</None>
    </votingAuthority>
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    <nameOfIssuer>GOGO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38046C109</cusip>
    <value>135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLD FIELDS LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>38059T106</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25523</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>6673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16929</Sole>
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      <None>514</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1050</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>3070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>539</Sole>
      <Shared>0</Shared>
      <None>7486</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GORES GUGGENHEIM INC</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>38286Q107</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>965</None>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>398905109</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1844</None>
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  <infoTable>
    <nameOfIssuer>GRUPO TELEVISA S A B</nameOfIssuer>
    <titleOfClass>SPON ADR REP ORD</titleOfClass>
    <cusip>40049J206</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11680</None>
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    <nameOfIssuer>GUARDANT HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40131M109</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36262G101</cusip>
    <value>643</value>
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      <sshPrnamt>7075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>6815</Sole>
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      <None>260</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>406216101</cusip>
    <value>936</value>
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      <sshPrnamt>40948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40948</None>
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  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40637H109</cusip>
    <value>335</value>
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      <sshPrnamt>8333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>333</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HANCOCK JOHN FINL OPPTYS FD</nameOfIssuer>
    <titleOfClass>SH BEN INT NEW</titleOfClass>
    <cusip>409735206</cusip>
    <value>1010</value>
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      <sshPrnamt>21670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21670</None>
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    <nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>410345102</cusip>
    <value>2575</value>
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      <sshPrnamt>154008</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>154008</None>
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    <nameOfIssuer>HEALTHCARE TR AMER INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>42225P501</cusip>
    <value>922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEALTHCARE TR AMER INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>42225P501</cusip>
    <value>1803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46345</Sole>
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      <None>7656</None>
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  <infoTable>
    <nameOfIssuer>HELIX ENERGY SOLUTIONS GRP I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42330P107</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>423452101</cusip>
    <value>496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20928</None>
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  <infoTable>
    <nameOfIssuer>HERBALIFE NUTRITION LTD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>G4412G101</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13014</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>1335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6469</Sole>
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      <None>432</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>1053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4921</Sole>
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      <None>521</None>
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  <infoTable>
    <nameOfIssuer>HESS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42809H107</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1817</Sole>
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      <None>2513</None>
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  <infoTable>
    <nameOfIssuer>HESS MIDSTREAM LP</nameOfIssuer>
    <titleOfClass>CL A SHS</titleOfClass>
    <cusip>428103105</cusip>
    <value>398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14417</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42824C109</cusip>
    <value>1423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>26289</Sole>
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      <sshPrnamt>8845</sshPrnamt>
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      <Sole>0</Sole>
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      <None>8845</None>
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      <Sole>50384</Sole>
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      <None>2237</None>
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      <None>3405</None>
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      <None>0</None>
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      <sshPrnamt>94076</sshPrnamt>
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      <None>94061</None>
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      <sshPrnamt>24157</sshPrnamt>
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    <votingAuthority>
      <Sole>11552</Sole>
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      <None>8491</None>
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      <sshPrnamt>13401</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>13401</None>
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    <nameOfIssuer>ICICI BANK LIMITED</nameOfIssuer>
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    <cusip>45104G104</cusip>
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      <sshPrnamt>10519</sshPrnamt>
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      <Sole>0</Sole>
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      <None>10519</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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      <sshPrnamt>14541</sshPrnamt>
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      <Sole>14264</Sole>
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      <None>277</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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    <value>874</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>3040</Sole>
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      <None>500</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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      <sshPrnamt>6422</sshPrnamt>
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    <votingAuthority>
      <Sole>4568</Sole>
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      <None>1854</None>
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      <None>1030</None>
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      <Sole>884</Sole>
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    <nameOfIssuer>INFOSYS LTD</nameOfIssuer>
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      <Sole>35440</Sole>
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      <None>420</None>
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    <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
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      <Sole>79757</Sole>
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      <None>0</None>
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    <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
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      <sshPrnamt>4201</sshPrnamt>
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      <Sole>4201</Sole>
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      <None>0</None>
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    <nameOfIssuer>INGREDION INC</nameOfIssuer>
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      <sshPrnamt>4967</sshPrnamt>
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      <None>4967</None>
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      <None>58309</None>
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    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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      <sshPrnamt>18859</sshPrnamt>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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      <Sole>224631</Sole>
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      <Sole>19465</Sole>
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      <Sole>66131</Sole>
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      <None>6224</None>
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      <None>513</None>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
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    <votingAuthority>
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      <None>730</None>
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  <infoTable>
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      <Sole>912</Sole>
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      <None>1468</None>
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  <infoTable>
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    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
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      <sshPrnamt>2142</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1812</Sole>
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      <None>330</None>
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    <nameOfIssuer>INVESCO CURRENCYSHARES SWISS</nameOfIssuer>
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    <cusip>46138R108</cusip>
    <value>387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3922</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1000</titleOfClass>
    <cusip>46137V613</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>30225</sshPrnamt>
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      <Sole>900</Sole>
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      <None>29325</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1500</titleOfClass>
    <cusip>46137V597</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
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    <votingAuthority>
      <Sole>365</Sole>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464288646</cusip>
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    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287465</cusip>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
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    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
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    <shrsOrPrnAmt>
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      <None>657</None>
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  <infoTable>
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    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
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    <shrsOrPrnAmt>
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      <None>607</None>
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  <infoTable>
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    <titleOfClass>MSCI UK ETF NEW</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>6600</sshPrnamt>
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  <infoTable>
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    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>8770</None>
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  <infoTable>
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    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
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    <cusip>464288687</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <cusip>464288687</cusip>
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  <infoTable>
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    <titleOfClass>RESIDENTIAL MULT</titleOfClass>
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  <infoTable>
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    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
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      <Sole>5181</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>464287614</cusip>
    <value>3996</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>2242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7337</sshPrnamt>
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    <votingAuthority>
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      <None>421</None>
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  <infoTable>
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    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>1991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11856</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2088</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5426</sshPrnamt>
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    <votingAuthority>
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      <None>422</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>769</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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  <infoTable>
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    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1493</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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  <infoTable>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287473</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2709</sshPrnamt>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>4331</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <value>48686</value>
    <shrsOrPrnAmt>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>3167</sshPrnamt>
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      <None>28</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287309</cusip>
    <value>2642</value>
    <shrsOrPrnAmt>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287309</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6136</sshPrnamt>
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      <None>3056</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287408</cusip>
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    <shrsOrPrnAmt>
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      <None>440</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>21948</sshPrnamt>
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    <cusip>49456B101</cusip>
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      <None>9115</None>
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      <None>0</None>
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      <None>4781</None>
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      <Sole>1483</Sole>
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      <None>43602</None>
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      <sshPrnamt>12983</sshPrnamt>
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      <Sole>7142</Sole>
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      <None>5841</None>
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      <None>59909</None>
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      <Sole>2395</Sole>
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      <None>9341</None>
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      <Sole>19420</Sole>
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      <None>565</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>4296</sshPrnamt>
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      <None>3166</None>
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      <Sole>1214</Sole>
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      <None>334</None>
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      <sshPrnamt>33362</sshPrnamt>
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      <Sole>32948</Sole>
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      <None>414</None>
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      <sshPrnamt>13970</sshPrnamt>
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      <Sole>13970</Sole>
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      <None>0</None>
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      <sshPrnamt>90282</sshPrnamt>
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    <votingAuthority>
      <Sole>88961</Sole>
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      <None>1321</None>
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      <sshPrnamt>15480</sshPrnamt>
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      <Sole>15480</Sole>
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      <None>0</None>
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      <sshPrnamt>4600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3421</Sole>
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      <None>1179</None>
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      <sshPrnamt>6328</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
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      <None>6258</None>
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      <sshPrnamt>16073</sshPrnamt>
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    <votingAuthority>
      <Sole>12222</Sole>
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      <None>3851</None>
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      <sshPrnamt>60530</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56002</Sole>
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      <None>4528</None>
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      <sshPrnamt>428623</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>425511</Sole>
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      <None>3112</None>
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    <cusip>58933Y105</cusip>
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      <sshPrnamt>60138</sshPrnamt>
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    <votingAuthority>
      <Sole>59958</Sole>
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      <sshPrnamt>185895</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>149191</Sole>
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      <None>36704</None>
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      <sshPrnamt>3410</sshPrnamt>
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      <Sole>0</Sole>
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      <None>3410</None>
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      <sshPrnamt>20044</sshPrnamt>
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      <Sole>19940</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>8125</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>21068</Sole>
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      <None>43594</None>
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    <nameOfIssuer>MFS CHARTER INCOME TR</nameOfIssuer>
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    <cusip>552727109</cusip>
    <value>797</value>
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      <sshPrnamt>93512</sshPrnamt>
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      <None>93512</None>
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    <cusip>552737108</cusip>
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      <sshPrnamt>60570</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>56570</None>
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      <None>22422</None>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
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      <Sole>14588</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>2100</Sole>
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      <None>3</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>3161</sshPrnamt>
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      <None>3161</None>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>29713</None>
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    <value>1475</value>
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      <sshPrnamt>22238</sshPrnamt>
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      <Sole>17636</Sole>
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      <None>4602</None>
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      <Sole>33676</Sole>
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      <None>18622</None>
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    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
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      <Sole>2222</Sole>
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      <sshPrnamt>14450</sshPrnamt>
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    <value>393</value>
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    <votingAuthority>
      <Sole>13277</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>425</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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    <cusip>631103108</cusip>
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      <Sole>20276</Sole>
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    <votingAuthority>
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      <None>17330</None>
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      <None>15429</None>
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    <nameOfIssuer>NUVEEN NEW JERSEY QULT MUN F</nameOfIssuer>
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      <None>2162</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7550</Sole>
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      <None>1296</None>
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      <None>500</None>
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      <None>1941</None>
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      <None>0</None>
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    <value>176</value>
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      <Sole>0</Sole>
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      <Sole>327</Sole>
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      <None>88</None>
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      <None>412</None>
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      <None>14800</None>
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      <sshPrnamt>1876</sshPrnamt>
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      <None>1876</None>
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      <sshPrnamt>62821</sshPrnamt>
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      <Sole>55087</Sole>
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      <None>7734</None>
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      <Sole>6357</Sole>
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      <None>250</None>
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      <Sole>415</Sole>
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      <None>86</None>
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      <Sole>4292</Sole>
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      <None>319</None>
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    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
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    <votingAuthority>
      <Sole>221184</Sole>
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      <None>3804</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>11507</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
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    <nameOfIssuer>PEMBINA PIPELINE CORP</nameOfIssuer>
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      <None>25333</None>
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    <votingAuthority>
      <Sole>85615</Sole>
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      <None>94185</None>
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      <None>149819</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>66929</Sole>
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  <infoTable>
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      <Sole>3725</Sole>
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      <Sole>860</Sole>
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    <nameOfIssuer>PILGRIMS PRIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>20580</None>
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    <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP</nameOfIssuer>
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      <Sole>27800</Sole>
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    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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    <value>2425</value>
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    <votingAuthority>
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      <None>1700</None>
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    <votingAuthority>
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      <None>0</None>
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      <Sole>2769</Sole>
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    <votingAuthority>
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    <votingAuthority>
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      <None>22270</None>
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      <Sole>3709</Sole>
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      <None>28</None>
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      <Sole>185541</Sole>
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      <None>3259</None>
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    <votingAuthority>
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      <None>10130</None>
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      <sshPrnamt>2998</sshPrnamt>
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    <votingAuthority>
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    <votingAuthority>
      <Sole>1597</Sole>
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      <None>8141</None>
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      <Sole>3679</Sole>
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  <infoTable>
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      <None>4650</None>
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      <Sole>162825</Sole>
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    <cusip>75513E101</cusip>
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      <sshPrnamt>21073</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>20573</Sole>
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      <None>500</None>
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    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
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    <cusip>75513E101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35326</Sole>
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      <None>8115</None>
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  <infoTable>
    <nameOfIssuer>REALOGY HLDGS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75605Y106</cusip>
    <value>189</value>
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      <sshPrnamt>11219</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>11219</None>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
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    <cusip>756109104</cusip>
    <value>1378</value>
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      <sshPrnamt>19245</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
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    <value>2786</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>33487</Sole>
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      <None>5428</None>
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    <nameOfIssuer>REAVES UTIL INCOME FD</nameOfIssuer>
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    <cusip>756158101</cusip>
    <value>453</value>
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      <sshPrnamt>12907</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12907</Sole>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>657</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>758</value>
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      <Sole>1091</Sole>
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      <None>110</None>
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    <value>783</value>
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      <sshPrnamt>5614</sshPrnamt>
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      <Sole>5614</Sole>
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      <None>0</None>
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      <Shared>0</Shared>
      <None>8636</None>
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    <cusip>767204100</cusip>
    <value>278</value>
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      <sshPrnamt>4158</sshPrnamt>
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    <votingAuthority>
      <Sole>1300</Sole>
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      <None>2858</None>
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    <votingAuthority>
      <Sole>250</Sole>
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      <None>12496</None>
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      <sshPrnamt>32630</sshPrnamt>
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      <Sole>32491</Sole>
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      <None>139</None>
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    <cusip>775133101</cusip>
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      <sshPrnamt>924</sshPrnamt>
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      <None>924</None>
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      <None>800</None>
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      <Sole>896</Sole>
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      <None>4599</None>
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    <votingAuthority>
      <Sole>100</Sole>
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      <None>6316</None>
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    <value>483</value>
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    <votingAuthority>
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      <None>3443</None>
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    <cusip>780259107</cusip>
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    <votingAuthority>
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      <None>8420</None>
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    <cusip>780259206</cusip>
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    <cusip>780259206</cusip>
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    <votingAuthority>
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      <None>33343</None>
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      <Sole>0</Sole>
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      <None>48270</None>
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    <votingAuthority>
      <Sole>3403</Sole>
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      <None>326</None>
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    <votingAuthority>
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      <None>2833</None>
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    <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
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    <cusip>785688102</cusip>
    <value>1691</value>
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      <Sole>40583</Sole>
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      <None>0</None>
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      <None>4002</None>
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    <votingAuthority>
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      <None>26</None>
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    <nameOfIssuer>SANDERSON FARMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>800013104</cusip>
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      <None>8289</None>
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    <cusip>80105N105</cusip>
    <value>326</value>
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      <Sole>1528</Sole>
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      <None>4984</None>
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    <votingAuthority>
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      <None>0</None>
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      <None>722</None>
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      <Sole>39711</Sole>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
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      <sshPrnamt>44932</sshPrnamt>
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    <votingAuthority>
      <Sole>44098</Sole>
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      <None>834</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
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    <value>18889</value>
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    <cusip>808524755</cusip>
    <value>2284</value>
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      <None>70260</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
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    <value>1340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16570</sshPrnamt>
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    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>827</value>
    <shrsOrPrnAmt>
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    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>28425</Sole>
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      <None>981</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>1577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15306</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3229</Sole>
      <Shared>0</Shared>
      <None>1206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>810186106</cusip>
    <value>298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>3182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>27986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81181C104</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>8738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22719</Sole>
      <Shared>0</Shared>
      <None>2425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>3725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>94004</Sole>
      <Shared>0</Shared>
      <None>1378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>11316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54780</Sole>
      <Shared>0</Shared>
      <None>571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>2523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32638</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>3760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23009</Sole>
      <Shared>0</Shared>
      <None>3681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>1093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>4532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42610</Sole>
      <Shared>0</Shared>
      <None>216</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>1208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12990</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>3656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15662</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816300107</cusip>
    <value>766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8060N102</cusip>
    <value>962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>1276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1090</Sole>
      <Shared>0</Shared>
      <None>875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL MIDSTREAM PARTNERS L P</nameOfIssuer>
    <titleOfClass>UNIT LTD INT</titleOfClass>
    <cusip>822634101</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20618</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1576</Sole>
      <Shared>0</Shared>
      <None>541</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>1022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2709</Sole>
      <Shared>0</Shared>
      <None>193</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>828806109</cusip>
    <value>2762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>828806109</cusip>
    <value>2640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16522</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83088M102</cusip>
    <value>1872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12069</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMART SAND INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83191H107</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4934</Sole>
      <Shared>0</Shared>
      <None>1832</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SORRENTO THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>83587F202</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>1110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15113</Sole>
      <Shared>0</Shared>
      <None>1076</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4083</Sole>
      <Shared>0</Shared>
      <None>3445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>677</Sole>
      <Shared>0</Shared>
      <None>318</None>
    </votingAuthority>
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    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>6128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9257</Sole>
      <Shared>0</Shared>
      <None>26588</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF</titleOfClass>
    <cusip>78463X749</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3517</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>45194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>4116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>9907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19853</Sole>
      <Shared>0</Shared>
      <None>1003</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>33580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>2089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG BRCLYS</titleOfClass>
    <cusip>78468R622</cusip>
    <value>1061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SRT TR</titleOfClass>
    <cusip>78468R408</cusip>
    <value>584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SRT TR</titleOfClass>
    <cusip>78468R408</cusip>
    <value>844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>1161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>37500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>7803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>1819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>852066208</cusip>
    <value>433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SQUARE INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>852234103</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1435</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85254J102</cusip>
    <value>2324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41928</Sole>
      <Shared>0</Shared>
      <None>6534</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>1420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>13880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>114371</Sole>
      <Shared>0</Shared>
      <None>4296</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>1631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13941</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>3041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22457</Sole>
      <Shared>0</Shared>
      <None>3543</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1177</Sole>
      <Shared>0</Shared>
      <None>5175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>2121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>10749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42762</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRATEGY SHS</nameOfIssuer>
    <titleOfClass>DAY HAGAN NED</titleOfClass>
    <cusip>86280R803</cusip>
    <value>472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12688</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>17127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>63752</Sole>
      <Shared>0</Shared>
      <None>294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>1599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5979</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>86562M209</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>866674104</cusip>
    <value>2191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8685</Sole>
      <Shared>0</Shared>
      <None>1750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNNOVA ENERGY INTL INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>86745K104</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7805</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78486Q101</cusip>
    <value>7476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10974</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYLVAMO CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871332102</cusip>
    <value>423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15093</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87165B103</cusip>
    <value>800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17243</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>13125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>161671</Sole>
      <Shared>0</Shared>
      <None>5415</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>1674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19792</Sole>
      <Shared>1050</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>2903</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>970</Sole>
      <Shared>0</Shared>
      <None>3891</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAPESTRY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>876030107</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>4016</None>
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      <None>0</None>
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      <None>32904</None>
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      <None>16271</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TYSON FOODS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>902494103</cusip>
    <value>4003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UMH PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>903002103</cusip>
    <value>1994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7377</Sole>
      <Shared>0</Shared>
      <None>9233</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>1984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23132</Sole>
      <Shared>0</Shared>
      <None>13763</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>49330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>193267</Sole>
      <Shared>0</Shared>
      <None>2541</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>2636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10465</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>11540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42485</Sole>
      <Shared>0</Shared>
      <None>3322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>910047109</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>9155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED NAT FOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911163103</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4705</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>4951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20956</Sole>
      <Shared>0</Shared>
      <None>2145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1619</Sole>
      <Shared>0</Shared>
      <None>865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>1838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>5525</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>12213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20511</Sole>
      <Shared>0</Shared>
      <None>3810</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>467</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>12453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18926</Sole>
      <Shared>0</Shared>
      <None>5875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91347P105</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1806</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>6692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>110029</Sole>
      <Shared>0</Shared>
      <None>9101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>1125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>1426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22453</Sole>
      <Shared>0</Shared>
      <None>2916</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>USA COMPRESSION PARTNERS LP</nameOfIssuer>
    <titleOfClass>COMUNIT LTDPAR</titleOfClass>
    <cusip>90290N109</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15001</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>14520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>197489</Sole>
      <Shared>0</Shared>
      <None>811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>1684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22301</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALE S A</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>91912E105</cusip>
    <value>1141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>13051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>919794107</cusip>
    <value>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 GRTH IDX F</titleOfClass>
    <cusip>921932505</cusip>
    <value>1479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 VAL IDX FD</titleOfClass>
    <cusip>921932703</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>16365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7096</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>34533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>427233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>2178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9523</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>1411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>2439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28281</Sole>
      <Shared>0</Shared>
      <None>504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>VANGUARD ULTRA</titleOfClass>
    <cusip>92203C303</cusip>
    <value>2560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>591</Sole>
      <Shared>0</Shared>
      <None>848</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>1886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>10317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63945</Sole>
      <Shared>0</Shared>
      <None>4684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>51737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>2352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1692</Sole>
      <Shared>0</Shared>
      <None>1865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>14086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>3150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20258</Sole>
      <Shared>0</Shared>
      <None>6893</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>91430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>6891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>6958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15529</Sole>
      <Shared>0</Shared>
      <None>408</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>9269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>2361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3179</Sole>
      <Shared>0</Shared>
      <None>371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>63213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>3210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>3581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15477</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>9871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>2800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>6349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20247</Sole>
      <Shared>0</Shared>
      <None>2283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1941</Sole>
      <Shared>0</Shared>
      <None>1576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1252</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>35479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>717334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>2245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>1504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27398</Sole>
      <Shared>0</Shared>
      <None>3034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>42191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>618274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>1634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>12249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>87153</Sole>
      <Shared>0</Shared>
      <None>4288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>TT WRLD ST ETF</titleOfClass>
    <cusip>922042742</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2024</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>5678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>376</Sole>
      <Shared>0</Shared>
      <None>110100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>1135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21480</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>1207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14850</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>765</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>7652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44563</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27346</Sole>
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      <None>17217</None>
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    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>1666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32638</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>497</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>921943858</cusip>
    <value>4531</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>84680</Sole>
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      <None>4057</None>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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    <cusip>921946406</cusip>
    <value>3478</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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    <cusip>921946406</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2487</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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    <cusip>921946406</cusip>
    <value>6916</value>
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    <votingAuthority>
      <Sole>2547</Sole>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL DVD ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>500</Sole>
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      <None>4300</None>
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    <cusip>921946794</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
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      <None>3000</None>
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    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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    <value>1938</value>
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      <None>11529</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
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    <cusip>92204A884</cusip>
    <value>2345</value>
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      <None>0</None>
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    <cusip>92204A306</cusip>
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    <votingAuthority>
      <Sole>3709</Sole>
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    <cusip>92204A405</cusip>
    <value>381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3944</sshPrnamt>
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    <votingAuthority>
      <Sole>237</Sole>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>29729</value>
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      <sshPrnamt>111586</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>1084</value>
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      <sshPrnamt>4070</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>8526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18609</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18609</Sole>
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      <None>0</None>
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    <nameOfIssuer>VENTAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276F100</cusip>
    <value>1694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33142</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33142</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>20758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>399509</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>394875</Sole>
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      <None>4634</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2370</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>41760</Sole>
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      <None>3440</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>6102</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58054</Sole>
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      <None>59394</None>
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    <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
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    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
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    <cusip>92556H305</cusip>
    <value>1368</value>
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      <sshPrnamt>27250</sshPrnamt>
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    <votingAuthority>
      <Sole>27250</Sole>
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      <None>0</None>
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    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
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    <votingAuthority>
      <Sole>107251</Sole>
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    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>92556H206</cusip>
    <value>1918</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2666</Sole>
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      <None>60877</None>
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    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>17474</Sole>
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      <None>1795</None>
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    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>878</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3601</Sole>
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      <None>61265</None>
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    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>1760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58443</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>2377</value>
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      <sshPrnamt>78947</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>69370</Sole>
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      <None>9577</None>
    </votingAuthority>
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    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>13475</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57958</Sole>
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      <None>4222</None>
    </votingAuthority>
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    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2670</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>16968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75680</Sole>
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      <None>2620</None>
    </votingAuthority>
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    <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>92857W308</cusip>
    <value>1309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87660</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6147</Sole>
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      <None>81513</None>
    </votingAuthority>
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    <nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>929042109</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6253</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5231</Sole>
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      <None>15</None>
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  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>1187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>558</Sole>
      <Shared>0</Shared>
      <None>22208</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>11921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>81081</Sole>
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      <None>1309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3609</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>3937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10904</Sole>
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